Credit and Debt

Are graduate degrees worth the cost?

Here is a short video I found on CNNMoney that talks about graduate degrees and that debt that comes with a college education. Is a college degree worth the... Read More »

Credit and Debt Myths

These is a lot of false information on the internet about credit scores, credit repair, the fair credit reporting act, credit laws, debt and finance. Here is a little list I made to clarify some of these fair credit myths. Amount of debt DOES affect your credit score. “It was only a $75 unpaid debt... Read More »

Is a college degree worth the debt?

This is a tough question to answer. First let’s recognize the fact that some college degrees are absolutely useless or worthless white others are highly valuable. The value of a college degree depends on many factors including but not limited to: How much money will you really earn with the college degree you are considering... Read More »

5 Common mistakes that lower your credit score

Maintaining good credit can be a real challenge if you do not understand what you are doing. There are countless formulas that go into making up your credit score that determine whether your credit score goes up, goes down or stays the same. The first step to preventing yourself from lowering your credit score is... Read More »

How getting your credit repaired and having good a credit score benefits you

If you have bad credit or don’t have the credit score you really want then this article is for you.  Repairing your bad credit and improving your credit score is a smart move especially if you really care about yourself and your future.  Some of the many positive benefits to having a good credit score... Read More »

How to maintain good credit?

As you might already know it can be hard work to obtain a high credit score. It does not happen overnight. Establishing good credit then maintaining your good credit history does require a commitment to excellence on your part. You must continue to pay your bills early or on time each and every month including... Read More »

Your Credit Score and Divorce

It goes without saying that a going through a divorce can be a very stressful experience. Aside from the emotional aspect of divorces, which can take a toll on all parties involved, the financial component can only exacerbate an already unpleasing situation. No matter, if a divorce is amicable and is not meant to be... Read More »

Buyer Beware Credit Repair Scams

Nobody can magically erase negative information from your credit report if it’s true and accurate. Only false and incorrect information can be removed. Accurate information stays on your credit record for 7 years from the time it’s reported (10 years for bankruptcy). Even information about bills you fell behind on but now are paid will... Read More »